JP2023127263A - Credit management device, credit management method and credit management program - Google Patents

Abstract

To provide a credit management device, a credit management method and a credit management program capable of performing credit management in appropriate consideration of the worth of rental items, by making monthly rental fees for N months be credit balance about the rental items.SOLUTION: In this embodiment, (1) a rental balance amount is calculated on the basis of a value obtained by subtracting a warehoused quantity in delivery data from a delivery quantity in the delivery data, an order reception unit price for rental items, and the number of months in a basic information master, (2) a credit balance is calculated on the basis of a backorder amount, the calculated rental balance amount, and an account receivable amount, (3) a credit limit amount is acquired, (4) a prescribed message is displayed when the calculated credit balance exceeds the acquired credit limit amount, and (5) a credit management aggregation table including the calculated credit balance and the acquired credit limit amount is generated.SELECTED DRAWING: Figure 1

Description

The present invention relates to a credit management device, a credit management method, and a credit management program.

Patent Document 1 discloses a dental equipment rental method and rental system that can reduce the burden of administrative procedures and maintenance inspections associated with the introduction of dental equipment (see paragraph 0006 of Patent Document 1, etc.). .

Japanese Patent Application Publication No. 2007-115064

In an industry that operates a rental business as described in Patent Document 1, it is necessary to manage credit risk taking rental items into consideration. In other words, after considering the risk of damage or loss of the products currently being rented to a certain customer as a balance of receivables, we would like to further sell or rent the product to that customer. It is necessary to decide whether to do so at the order entry stage.

However, in the past, it has been difficult to appropriately set the balance of receivables for rental items. If the rental fee was considered as the balance of receivables, it would be too low, and conversely, if the sales price of the product was sold instead of a rental item, the balance of receivables would be too high, neither of which matched the reality.

The present invention has been made in view of the above problems, and it is possible to perform credit management that appropriately takes into account the value of rental items by setting N months' worth of monthly rental fees as the balance of receivables for rental items. The purpose of the present invention is to provide a credit management device, a credit management method, and a credit management program that can perform the following tasks.

In order to solve the above-mentioned problems and achieve the purpose, a credit management device according to the present invention includes a control unit and a storage unit that can perform credit management that appropriately takes into account the value of rental items. The device includes, in the storage unit, a limit management master including a credit limit, and a credit limit amount for calculating the remaining rental amount, which is the amount of credit for the portion of the rented items that have not been placed in the warehouse. A month number management master including the number of months, and outgoing data including outgoing quantity of the rental item and incoming quantity of the rental item are stored, and the control unit calculates the outgoing quantity from the outgoing quantity in the outgoing data. Rental remaining amount calculation means that calculates the remaining rental amount based on the value obtained by subtracting the warehouse quantity in the outgoing data, the unit order price of the rental item, and the number of months in the monthly number management master. and a receivables balance calculation means that calculates the receivables balance based on the order backlog amount, the rental loan balance calculated by the loan balance calculation means, and the accounts receivable balance, and the credit limit management master. A credit limit acquisition means for acquiring a limit amount, and a message display means or a credit management summary table generation means, and the message display means is configured to display the credit limit amount calculated by the debt balance calculation means. Displaying a predetermined message when the amount exceeds the credit limit acquired by the acquisition means, the credit management summary table generation means acquires the debt balance calculated by the debt balance calculation means and the credit limit acquisition means. The present invention is characterized by generating a credit management summary table including the credit limit amount that has been set.

Further, in the credit management device according to the present invention, when the rental item is rented on a monthly basis, the loan balance calculation means calculates the amount of the rental item in the outgoing data from the outgoing quantity in the outgoing data. The rental balance amount is calculated by multiplying the value obtained by subtracting the quantity in stock by the order unit price when renting the rental item for one month and the number of months in the number of months management master. do.

Further, in the credit management device according to the present invention, the number-of-months management master further includes a number of days for calculating the rental balance amount, and the rental balance amount calculation means determines whether the rental item is rented on a daily basis. If the item is to be rented for one day, the order unit price when renting the rental item for one day is calculated by subtracting the stocking quantity in the stocking data from the stocking quantity in the stocking data, and the unit price in the monthly number management master. The present invention is characterized in that the remaining rental amount is calculated by multiplying the number of days by the number of months in the number of months management master.

Further, in the credit management device according to the present invention, the number of months in the number of months management master is calculated based on the purchase cost of the rental item and the monthly rental fee of the rental item. Features.

Further, in the credit management device according to the present invention, the message display means may display a warning message for confirming to the operator whether or not to continue inputting the order if the amount exceeds the limit, or continue inputting the order if the amount exceeds the limit. It is characterized by displaying a message that input is not possible to make the operator aware that input is not possible.

Further, in the credit management device according to the present invention, the credit management summary table generation means subtracts the receivable balance calculated by the receivable balance calculation means from the credit limit acquired by the credit limit acquisition means. The present invention is characterized in that the credit management summary table is generated which further includes the calculated credit limit unexploited amount and the credit limit utilization rate calculated by dividing the debt balance by the credit limit.

Further, the credit management method according to the present invention is a credit management method that is executed by an information processing device including a control unit and a storage unit, and is capable of performing credit management that appropriately takes into account the value of rental items. The storage unit includes a credit limit management master that includes the credit limit, and a month that includes the number of months for calculating the rental loan balance amount, which is the credit amount for the portion of the rented items that have not been stored. A quantity management master and outgoing data including the outgoing quantity of the rental item and the incoming quantity of the rental item are stored, and the outgoing data is executed by the control unit based on the outgoing quantity in the outgoing data. a step of calculating the remaining rental amount based on the value obtained by subtracting the storage quantity in the data, the unit order price of the rental item, and the number of months in the number of months management master; a receivables balance calculation step of calculating the receivables balance based on the order backlog amount, the rental loan balance calculated in the loan balance calculation step, and the accounts receivable balance; and a credit limit calculated from the limit amount management master. and a message display step or a credit management summary table generation step, and in the message display step, the receivable balance calculated in the receivable balance calculation step is calculated in the credit limit acquisition step. If the amount exceeds the credit limit obtained in step, a predetermined message is displayed, and in the credit management summary table generation step, the credit balance calculated in the loan balance calculation step and the credit limit obtained in the credit limit acquisition step are displayed. The present invention is characterized by generating a credit management summary table including the credit limit amount that has been set.

Further, the credit management program according to the present invention is a credit management program that is executed by an information processing device including a control unit and a storage unit, and is capable of performing credit management that appropriately takes into account the value of rental items. , the storage unit includes a credit limit management master including the credit limit, and the number of months for calculating the rental loan balance amount, which is the credit amount corresponding to the portion of the rented items that have not been stocked. A monthly number management master and outgoing data including the outgoing quantity of the rental item and the incoming quantity of the rental item are stored, and the outgoing quantity in the outgoing data is used to cause the control unit to execute. a step of calculating the remaining rental amount based on the value obtained by subtracting the storage quantity in the outgoing data, the unit order price of the rental item, and the number of months in the number of months management master; a receivables balance calculation step of calculating the receivables balance based on the order backlog amount, the rental loan balance amount calculated in the loan balance amount calculation step, and the accounts receivable balance; It includes a credit limit acquisition step of acquiring a credit limit amount, and a message display step or a credit management summary table generation step, and in the message display step, the receivable balance calculated in the receivable balance calculation step is set to the credit limit. If the amount exceeds the credit limit acquired in the credit limit acquisition step, a predetermined message is displayed, and in the credit management summary table generation step, the debt balance calculated in the debt balance calculation step and the credit limit acquisition step are displayed. The credit limit amount obtained in

According to the present invention, by setting N months' worth of monthly rental fees as the balance of receivables for rental items, it is possible to perform credit management that appropriately takes into account the value of rental items.

FIG. 1 is a block diagram showing an example of the configuration of a credit management device. FIG. 2 is a diagram showing an example of conventional credit management and credit management of this embodiment. FIG. 3 is a diagram showing an example of items in the master and data used in this embodiment. FIG. 4 is a diagram illustrating an example of a processing flow according to this embodiment. FIG. 5 is a diagram showing an example of a billing destination master, a contract classification master, and a basic information master. FIG. 6 is a diagram showing an example of order data. FIG. 7 is a diagram showing an example of outgoing data and incoming data. FIG. 8 is a diagram showing an example of sales data. FIG. 9 is a diagram showing an example of deposit data and accounts receivable balance data. FIG. 10 is a diagram illustrating an example of calculating the backlog amount. FIG. 11 is a diagram illustrating an example of calculating the remaining rental amount. FIG. 12 is a diagram illustrating an example of calculating the balance of accounts receivable. FIG. 13 is a diagram showing an example of an order entry screen. FIG. 14 is a diagram showing an example of a warning message. FIG. 15 is a diagram illustrating an example of an input-disabled message. FIG. 16 is a diagram showing an example of a credit management summary table.

DESCRIPTION OF THE PREFERRED EMBODIMENTS Below, embodiments of a credit management device, a credit management method, and a credit management program according to the present invention will be described in detail based on the drawings. Note that the present invention is not limited to this embodiment.

[1. overview]
Regarding rental contracts, since orders are received during the initial transaction period, the backlog of orders during this period is added to the rental credit balance and added to the credit risk. However, in reality, the contract may be extended depending on the progress of the construction site, and judgments based on the order amount often do not match the actual contract period.

Furthermore, rental materials can be exchanged for cash and are worth several tens of times the rental fee, so the risk of damage or loss cannot be determined based on the order amount. However, if the purchase amount is considered a risk, the amount is too high and is not suitable for practical operation.

Therefore, in this embodiment, for example, when performing credit management, when credit risk management is performed as a balance of receivables, including not only the receivables that have been generated but also the backlog of orders that are scheduled to occur in the future, for rental contracts, orders (contracts ) Instead of credit management based on the amount of backlog, it has become possible to manage credit by setting the balance of receivables according to the value of the rental materials being lent.

Specifically, for rental contracts, we have created a system in which N months' worth of rental fees, which are calculated simply by the value of the rental materials, can be treated as rental receivables. Note that "N months" can be set based on the rental fee agreement for each introducing company.

Further, in this embodiment, for example, the following amounts 1 to 3 can be calculated in real time, so that the balance of receivables can be calculated quickly.
1. Sales order backlog amount in order entry 2. Rental balance amount in rental outgoing input and rental incoming input 3. Remaining amount of accounts receivable for sales input and rental sales recording The situation calculated in real time can be checked in the credit management summary table and each input, and input checks can be performed by setting the billing destination master.

In this way, by using a system that calculates the amount of money that matches the value of the rental materials being lent, we succeeded in reducing the future credit risk for rental receivables, which often have loan extensions. That is, in this embodiment, risk management can be appropriately performed for rental items that require long-term risk management, unlike normal product sales.

In this embodiment, for example, for rental claims that cannot be ascertained without performing rental calculations, the credit limit usage rate is calculated in real time, and the situation can be checked. Furthermore, in this embodiment, for example, it is possible to instantly check the available rental amount at the time of estimating and receiving an order.

For reference, images of conventional credit management and credit management of this embodiment are shown in FIG. In the conventional example, the credit risk of rental items was determined by the "order amount," so if the rental period of the rental item was extended, the credit risk could not be detected (the area shown by dotted hatching in Figure 2). existed. On the other hand, in this embodiment, as shown in the line "+Rental balance (Depending on settings, N months' worth of rental fees are determined to be the rental balance)" in Figure 2, the credit risk of rental items is Since it is measured in terms of ``remaining loan amount'' rather than ``amount of money,'' credit risk can be detected right up until the rental item is in stock. The specific configuration and operation will be described below.

[2. composition]
An example of the configuration of the credit management device 100 according to this embodiment will be described with reference to FIG. 1. FIG. 1 is a block diagram showing an example of the configuration of the credit management device 100.

Credit management device 100 is a commercially available desktop personal computer. Note that the credit management device 100 is not limited to a stationary information processing device such as a desktop personal computer, but may also be a portable type such as a commercially available notebook personal computer, a PDA (Personal Digital Assistant), a smartphone, or a tablet personal computer. It may also be an information processing device.

The credit management device 100 includes a control section 102, a communication interface section 104, a storage section 106, and an input/output interface section 108. Each unit included in the credit management device 100 is communicably connected via an arbitrary communication path.

The communication interface unit 104 communicatively connects the credit management device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via a communication line. Here, the network 300 has a function of connecting the credit management device 100 and the server 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network). Note that data such as various masters, which will be described later, may be stored in the server 200, for example.

An input device 112 and an output device 114 are connected to the input/output interface unit 108 . As the output device 114, in addition to a monitor (including a home television), a speaker or a printer can be used. As the input device 112, in addition to a keyboard, a mouse, and a microphone, a monitor that cooperates with the mouse to realize a pointing device function can be used. Note that in the following description, the output device 114 may be referred to as a monitor 114, and the input device 112 may be referred to as a keyboard 112 or a mouse 112.

The storage unit 106 stores various databases, tables, files, and the like. The storage unit 106 stores a computer program for giving instructions to a CPU (Central Processing Unit) to perform various processes in cooperation with an OS (Operating System). As the storage unit 106, for example, a memory device such as a RAM (Random Access Memory) or a ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, an optical disk, etc. can be used.

The storage unit 106 stores, for example, a billing master 106a as a limit amount management master, a contract category master 106b, a basic information master 106c as a monthly management master, order data 106d, outgoing data 106e, and incoming data 106f. , sales data 106g, deposit data 106h, and accounts receivable balance data 106i.

As shown in FIGS. 3 and 5, the billing destination master 106a includes, for example, a billing destination code, a billing destination name, a credit limit management category, a credit limit, and the like.

The credit limit management category includes a category (0: none) indicating that no message will be displayed when the calculated balance of receivables exceeds the credit limit, and a category (1: no) indicating that a warning message will be displayed when the calculated debt balance exceeds the credit limit. : Warning only), or a category (2: Input not allowed) indicating that an input not allowed message will be displayed if the number exceeds the limit.

As shown in FIGS. 3 and 5, the contract category master 106b includes, for example, a contract category, a contract category name, a rental flag, and the like.

The rental flag is a classification indicating that the product is a rental product (1: rental contract classification) or a classification indicating that the product is a sales product (0: normal contract classification). The contract classification is a daily classification (K01), a monthly classification (K02), or a sales classification (K10). That is, as products, there are the rental products and the sales products, and for the rental products, there are daily and monthly rental modes.

As shown in FIGS. 3 and 5, the basic information master 106c is used to calculate, for example, the accounting year and month, and the remaining amount of the rental loan, which is the credit amount for the portion of the rented items that have not been stocked. It includes the number of months (the number of months for calculating the rental balance), the number of days for calculating the rental balance (the number of days on a monthly basis), etc.

Here, a method of setting the number of months (rental balance calculation number of months) will be explained. The number of months (rental balance calculation number of months) can be calculated, for example, based on the purchase cost of the rental item and the monthly rental fee of the rental item. For example, if the purchase cost of a certain product is 80,000 yen and the monthly rental fee is 4,000 yen, the number of months (the number of months for calculating the rental balance) is calculated as 20 months by 80,000 yen ÷ 4,000 yen. can do.

The number of months mentioned above (the number of months for calculating the rental balance) differs depending on the company, but it is determined by how many months it is calculated relative to the purchase cost of rental materials when calculating the monthly rental amount of the main rental product of each company. You can also set the number of months. For example, if a product with a sales price of 160,000 yen and a purchase cost of 80,000 yen is calculated using 20 months of the purchase cost with a monthly rental amount of 4,000 yen, 20 months can be set.

As shown in FIGS. 3 and 6, the order data 106d includes, for example, an order number, an order line number, an order date, the billing address code, the billing address name, the product name, the contract classification, Order quantity, number of rental days (number of days), order unit price (order unit price), order amount (order unit price), order consumption tax, order amount including tax, sales quantity, sales completion flag, etc. include.

Using the order number and order line number in the sales data 106g, which will be described later, as keys, the sales quantity in the order data 106d can be added and updated. Then, in the order data 106d, if the order quantity = the sales quantity after the addition update, the sales completion flag in the order data 106d is updated from "0: Not completed" to "1: Completed". Ru. Note that the updating process of the sales completion flag is performed only for order details for which the rental flag in the contract classification master 106b linked to the contract classification is "0: normal contract classification" in the order data 106d. .

As shown in FIGS. 3 and 7, the outgoing data 106e includes, for example, an outgoing number, an outgoing line number, an outgoing date, the billing address code, the billing address name, the product name, and the contract classification. , the outgoing quantity of the rental item, the incoming quantity of the rental item, a warehousing completion flag, the order number, the order line number, and the like.

In the delivery input for generating the delivery data 106e, only the order details whose rental flag in the contract classification master 106b linked to the contract classification is "1: Rental contract classification" in the order data 106d are targeted. , enter the quantity to be shipped.

Moreover, the warehousing quantity in the warehousing data 106e can be added and updated using the warehousing number and the warehousing line number in the warehousing data 106f, which will be described later, as keys. Then, in the outgoing data 106e, when the outgoing quantity = the incoming quantity after the addition update, the warehousing completion flag in the outgoing data 106e is updated from "0: not completed" to "1: completed". Ru.

As shown in FIGS. 3 and 7, the warehousing data 106f includes, for example, a warehousing number, a warehousing line number, a warehousing date, the billing address code, the billing address name, the product name, and the contract classification. , the storage quantity of the rental item, the exit number, the exit line number, and the like.

As shown in FIGS. 3 and 8, the sales data 106g includes, for example, a sales number, a sales line number, a sales date, an accounting date, the billing address code, the billing address name, the product name, and the like. , the contract classification, the sales quantity, the number of sales days (days), the sales unit price (sales unit price), the sales amount (sales amount), the sales consumption tax, the amount including sales tax, and the order number. , the order receiving line number, the shipping number, the shipping line number, and the like.

In the sales input for generating the sales data 106g regarding the sales item, in the order data 106d, the rental flag in the contract classification master 106b linked to the contract classification is "0: Normal contract classification". Enter sales quantity only for order details.

In the rental sales recording process for generating the sales data 106g regarding the rental item, the rental flag in the contract classification master 106b linked to the contract classification becomes "1: Rental contract classification" in the order data 106d. Enter the sales quantity only for the order details.

As shown in FIGS. 3 and 9, the deposit data 106h includes, for example, a deposit number, the billing party code, the billing party name, the accounting year and month, the deposit date, the deposit amount, and the like.

As shown in FIGS. 3 and 9, the accounts receivable balance data 106i includes, for example, the billing address code, the accounting year and month, the previous month's accounts receivable balance, the current month's deposit amount, the current month's sales amount, and the accounts receivable balance ( Current month's accounts receivable balance), etc.

The control unit 102 is a CPU or the like that controls the credit management device 100 in an integrated manner. The control unit 102 has an internal memory for storing control programs such as an OS, programs specifying various processing procedures, required data, etc., and performs various information processing based on these stored programs. Execute.

Functionally, the control unit 102 includes, for example, (1) an order backlog amount calculation unit 102a as a backlog amount calculation unit, and (2) a calculation unit 102a that functions as an order backlog amount calculation unit, and (2) a calculation unit 102a that calculates the outgoing quantity in the outgoing data from the outgoing quantity in the outgoing data. a rental balance calculation unit 102b as a rental balance calculation means that calculates the rental balance based on the value obtained by subtracting , the unit order price of the rental item, and the number of months in the number of months management master; (3) an accounts receivable balance extracting unit 102c as an accounts receivable balance extracting means; and (4) an order backlog amount, the rental loan balance amount calculated by the loan balance amount calculation means, and the accounts receivable balance. (5) a credit limit acquisition unit 102e as a credit limit acquisition unit that acquires the credit limit from the limit management master; (6) a message display unit 102f as a message display unit that displays a predetermined message when the debt balance calculated by the debt balance calculation unit exceeds the credit limit acquired by the credit limit acquisition unit; (7) The credit management summary table generation means generates a credit management summary table including the debt balance calculated by the debt balance calculation unit and the credit limit acquired by the credit limit acquisition unit. A credit management summary table generation unit 102g is provided as a credit management summary table generation unit.

The order backlog amount calculation unit 102a calculates the received order based on the value obtained by subtracting the sales quantity in the order data 106d from the received order quantity in the order data 106d, and the order unit price (order unit price) of the sales item. Calculate the remaining amount.

The remaining loan amount calculation unit 102b calculates the value obtained by subtracting the stocking quantity in the stocking data 106e from the stocking quantity in the stocking data 106e, the unit order price (order unit price) of the rental item, and the basic information master 106c. The remaining rental amount is calculated based on the number of months (the number of months for calculating the remaining rental amount).

Specifically, when the rental item is rented on a monthly basis (monthly basis), the rental balance calculation unit 102b calculates the storage quantity in the outgoing data 106e from the outgoing quantity in the outgoing data 106e. By multiplying the above-mentioned order unit price (order unit price) when renting the rental item for one month by the number of months in the basic information master 106c (the number of months for calculating the rental balance), the rental Calculate the remaining loan amount.

On the other hand, if the rental item is rented on a daily basis (daily rental), the rental balance calculation unit 102b calculates the stocking quantity in the outgoing data 106e from the outgoing quantity in the outgoing data 106e. Add to the subtracted value the order unit price (order unit price) when the rental item is rented for one day, the number of days in the basic information master 106c (monthly daily prorated number of days), and the number of months in the basic information master 106c (rental). The remaining rental amount is calculated by multiplying by the number of months for calculating the remaining rental amount.

The accounts receivable balance extraction unit 102c extracts the accounts receivable balance (the current month's accounts receivable balance) from the accounts receivable balance data 106i.

The receivable balance calculation unit 102d calculates the backlog amount of orders (for example, the backlog of orders calculated by the backlog of orders calculation unit 102a), the balance of rental loans calculated by the backlog of loans calculation unit 102b, and the balance of accounts receivable. (For example, the account receivable balance extracted by the account receivable balance extracting unit 102c).

The credit limit acquisition unit 102e acquires the credit limit from the billing destination master 106a.

The message display unit 102f displays a predetermined message when the debt balance calculated by the debt balance calculation unit 102d exceeds the credit limit acquired by the credit limit acquisition unit 102e.

Specifically, the message display unit 102f displays a warning message for the operator to confirm whether or not to continue inputting orders when the number exceeds the above, or makes the operator aware that the order entry cannot be continued when the number exceeds the above. display an input-disabled message.

The credit management summary table generation unit 102g generates a credit management summary table including the debt balance calculated by the debt balance calculation unit 102d and the credit limit acquired by the credit limit acquisition unit 102e.

The credit management summary table generation unit 102g calculates the unused credit limit amount calculated by subtracting the debt balance calculated by the debt balance calculation unit 102d from the credit limit acquired by the credit limit acquisition unit 102e, and the debt. The credit management summary table may further include a credit limit utilization rate calculated by dividing the balance by the credit limit.

[3. Specific example of processing]
In this item, a specific example of the processing according to the present embodiment will be explained along the flow of FIG. 4 with reference to FIGS. 5 to 16. This specific example assumes that a company that sells and rents construction materials (hereinafter simply referred to as a "rental company") receives orders from three companies: Company A, Company B, and Company C.

[3-1. Registration of each master and each data]
(1) Registration of each master First, as shown in the flowchart in Figure 4, the billing master 106a is registered by billing master maintenance, the contract classification master 106b is registered by contract classification master maintenance, and the basic information master maintenance is performed by basic information master maintenance. Information master 106c is registered. The registered contents are as shown in FIG.

(2) Registration of order data Next, the order data 106d is registered by inputting the order shown in the flowchart of FIG. The registered order data 106d is as shown in FIG.

Order data 106d shown in FIG. 6 is data indicating that the rental company has received orders for rental product A, rental product B, and sales product C from all three companies, A, B, and C. Rental product A is a daily rental, and rental product B is a monthly rental.

(3) Registration of delivery data Next, the delivery data 106e is registered by the delivery input shown in the flowchart of FIG. Specifically, first, the order details whose rental flag in the contract classification master 106b associated with the contract classification in the order data 106d is "1: Rental contract classification" are called. Then, based on the called-up order details, shipping data 106e is registered. The registered shipping data 106e is as shown in FIG. 7.

The shipping data 106e shown in FIG. 7 is data indicating that the rental company has shipped rental products A and B to companies B and C.

(4) Registration of warehousing data Next, warehousing data 106f is registered by warehousing input shown in the flow of FIG. Specifically, first, the shipping data 106e is called. Then, warehousing data 106f is registered based on the called out warehousing data 106e. The registered warehousing data 106f is as shown in FIG.

The warehousing data 106f shown in FIG. 7 is data indicating that rental products A and B, which the rental company dispatched to company C, have been stocked (returned) to the rental company.

When the warehousing is completed in this way, as shown by hatching in the warehousing data 106e in FIG. 7, the warehousing quantity in the warehousing data 106e is updated from 0 to the warehousing quantity (10) in the warehousing data 106f, and the warehousing quantity The warehousing completion flag in 106e is updated from "0: Not completed" to "1: Completed."

(5) Registration of sales data 106g about rental products Next, sales data 106g about rental products is registered by the rental sales recording process shown in the flowchart of FIG. Specifically, first, the order details whose rental flag in the contract classification master 106b associated with the contract classification in the order data 106d is "1: Rental contract classification" are called. Then, sales data 106g regarding the rental product is registered based on the called order details, the outgoing data 106e registered in (3), and the incoming data 106f registered in (4). Rental sales recording processing is performed every billing deadline of the billing destination. In FIG. 8, the sales data 106g regarding the registered rental products are two details with sales number U00005 and two details with sales number U00006.

Here, we will explain how to calculate the number of days 31 in the two details of sales number U00005 and the number of days 10 in the two details of sales number U00006.

Regarding the rental products in the 2 items with sales number U00005, they were issued on December 1, 2021, but as of the sales date of December 31, 2021, the corresponding receipt data 106f does not exist, so they have not been returned yet. Become. Therefore, the number of days is 31 days from the shipping date 2021/12/01 to the sales date 2021/12/31.

On the other hand, regarding the rental product in the 2 items with sales number U00006, it was shipped on 2021/12/01, and as of the sales date 2021/12/31, the corresponding storage data 106f (stocking date 2021/12/10 ) exists, it means that it has already been returned. Therefore, the number of days is 10 days from the shipping date 2021/12/01 to the warehousing date 2021/12/10.

(6) Registration of sales data 106g about sales products Next, following the registration of order data in (2), sales data 106g about sales products is registered by inputting sales shown in the flowchart of FIG. Specifically, first, the order details whose rental flag in the contract category master 106b associated with the contract category in the order data 106d is "0: normal contract category" are called. Then, based on the called-up order details, sales data 106g regarding the sales item is registered. In FIG. 8, sales data 106g regarding registered sales products are the details of sales number U00002 and the details of sales number U00003.

In this way, when the sales of the sales items are completed, the sales quantity in the order data 106d is updated to the sales quantity (10) in the sales data 106g, as shown by hatching in the order data 106d in FIG. , the sales completion flag in the order data 106d is updated from "0: not completed" to "1: completed".

(7) Registration of Deposit Data Next, the deposit data 106h is registered by inputting the deposit shown in the flowchart of FIG. The registered deposit data 106h is as shown in FIG.

(8) Registration of Accounts Receivable Balance Data Finally, the account receivable balance data 106i is registered through the rental sales recording process, sales input, and deposit input shown in the flowchart of FIG.

The current month's deposit amount in the accounts receivable balance data 106i is the sum of the deposit amounts in the deposit data 106h by billing party and accounting year and month. The current month's sales amount in the accounts receivable balance data 106i is the sum of the sales tax-included amount in the sales data 106g by billing party and accounting year and month. The current month's accounts receivable balance in the accounts receivable balance data 106i is calculated as "previous month's accounts receivable balance in the accounts receivable balance data 106i - current month's deposit amount in the accounts receivable balance data 106i + current month's sales amount in the accounts receivable balance data 106i" This is the value calculated using the formula.

[3-2. Calculation of receivables balance]
Next, the balance of receivables is calculated. Calculation of the balance of receivables is performed at the timing of entering the billing party code etc. on the order entry screen and performing a pre-registration check, and at the timing of printing the credit management summary table.

As a premise for calculating the balance of receivables, it is necessary to obtain the sales order backlog amount, the rental loan balance amount, and the accounts receivable balance. Therefore, first, the acquisition of these three amounts will be explained in this order, and finally, the calculation of the debt balance will be explained. It is assumed that the master and data referred to in this item [3-2] are registered as described in [3-1].

(1) Obtaining the sales order backlog amount The sales order backlog amount is calculated as shown in the flow of Figure 4 in “1. Extract the backlog amount of the backlog (unsold other than rentals) from the order data”. is obtained.

The order backlog amount calculation unit 102a calculates the sales completion flag among the order details in which the rental flag in the contract classification master 106b linked to the contract classification in the order data 106d is "0: Normal contract classification". Calculate the sales order backlog for those items that are marked as "0: Not completed."

Specifically, in the order data 106d of FIG. 6, the order details that meet the conditions described in the previous paragraph are only the order details with order number = J00001 and order line number = 3, so the order balance calculation unit 102a performs the following calculations for the order details.

That is, the order backlog amount calculation unit 102a calculates the order amount using the formula: "(order quantity in the order data 106d - sales quantity in the order data 106d) x (order unit price)". Specifically, as shown in FIG. 10, the order backlog amount calculation unit 102a calculates the order amount of 1,000,000 yen using the formula "(order quantity 10 - sales quantity 0) x (order unit price 100,000 yen)". calculate. Then, the order backlog amount calculation unit 102a calculates the backlog tax-included amount of 1,100,000 yen by adding the backlog consumption tax of 100,000 yen to the order amount of 1,000,000 yen.

Since the order details for which the tax-included amount of backlogged orders is for Company A, the processing explained in this item (1) has resulted in the acquisition of the backlog of sales orders for Company A of 1,100,000 yen. .

(2) Obtaining the rental balance amount The rental balance amount is calculated as shown in "2. Calculate the rental balance amount from the rental balance (outage balance that has not been entered)" in the flow of Figure 4. is obtained.

The remaining rental amount calculation unit 102b calculates the remaining rental amount for those items whose warehousing completion flag is "0: incomplete" among the warehousing details in the warehousing data 106e.

Specifically, in the shipping data 106e in FIG. 7, the shipping details that meet the conditions described in the previous paragraph are the shipping details with order number = J00002 and order line number = 1, and the shipping details with order number = J00002 and order line number = 2, the remaining loan amount calculation unit 102b performs the following calculation for the two delivery details.

In other words, the loan balance calculation unit 102b calculates the following formula: "(Outgoing quantity in the outgoing data 106e - Incoming quantity in the outgoing data 106e) x (Order unit price in the order data 106d) x (In the case of daily orders, the basic information master 106c The remaining rental amount is calculated using the following formula: x (number of months for calculating remaining rental amount in the basic information master 106c). By multiplying by the number of days in each month, it is possible to convert the daily order unit price to the monthly order unit price.

Specifically, calculations targeting the shipping details with the order number = J00002 and the order line number = 1 (the shipping details with the shipping number = S00002 and the shipping line number = 1) will be explained. As shown in FIG. 11, the loan remaining amount calculation unit 102b calculates the following formula: "(Output quantity 10 - Input quantity 0) x (Order unit price 1,000 yen) x (Monthly prorated number of days 30 days) x (Number of months for rental loan balance calculation. The remaining rental amount is 6,000,000 yen using the formula "20 months)".

Calculations for the shipping details with order number = J00002 and order line number = 2 (the shipping details with shipping number = S00002 and shipping line number = 2) will be explained. As shown in FIG. 11, the rental balance calculation unit 102b uses the calculation formula: "(Output quantity 10 - Input quantity 0) x (Order unit price 20,000 yen) x (Number of months for calculating rental balance 20 months)". Calculate the remaining rental amount of 4,000,000 yen.

The two delivery details for which the rental balance amount is subject are both delivery details for Company B, so by the process explained in this item (2), the rental balance amount for Company B is 6,000,000 yen + 4. ,000,000 yen = 10,000,000 yen was acquired.

(3) Acquisition of accounts receivable balance As shown in "3. Extract current month receivables balance from accounts receivable balance data" in the flow of Figure 4, the accounts receivable balance is extracted and acquired.

The accounts receivable balance extraction unit 102c extracts the current month's accounts receivable balance from the accounts receivable balance data 106i using the accounting year and month in the basic information master 106c as a key.

Specifically, referring to the basic information master 106c in FIG. 5, the accounting year and month is 202112, so the accounts receivable balance extracting unit 102c extracts 3 with the accounting year and month 202112 from the accounts receivable balance data 106i in FIG. Extract the current month's accounts receivable balance in the statement.

As shown in Figure 12, by the process explained in item (3), the current month's accounts receivable balance for Company A is 0 yen, the current month's account receivable balance for Company B is 1,661,000 yen, and the current month's account receivable balance for Company C is 1,430,000 yen. This means that we were able to extract.

(4) Calculation of balance of receivables After processing (1) to (3), the balance of receivables is calculated for each billing party.

Here, the values calculated and extracted in (1) to (3) are summarized as follows. For Company A, the sales order backlog is 1,100,000 yen, the rental loan balance is 0 yen, and the current month's accounts receivable balance is 0 yen. For Company B, the sales order backlog is 0 yen, the rental loan balance is 10,000,000 yen, and the current month's accounts receivable balance is 1,661,000 yen. For Company C, the sales order backlog is 0 yen, the rental loan balance is 0 yen, and the current month's accounts receivable balance is 1,430,000 yen.

In this case, the debt balance calculation unit 102d calculates the debt balance for Company A as 1,100,000 yen + 0 yen + 0 yen = 1,100,000 yen, and the debt balance for Company B as 0 yen + 10,000,000 yen + 1,661,000 yen = 11,661,000 yen. The balance of receivables for Company C is calculated as 0 yen + 0 yen + 1,430,000 yen = 1,430,000 yen.

[3-3. Obtaining credit limit]
Next, the credit limit for each billing party is obtained.

The credit limit acquisition unit 102e acquires the credit limit for each billing party from the billing party master 106a. Specifically, the credit limit acquisition unit 102e acquires 0 yen as the credit limit for company A and 10,000,000 yen as the credit limit for companies B and C from the billing destination master 106a in FIG. get.

The calculation of the receivables balance explained in [3-2] and the acquisition of the credit limit explained in [3-3] are performed by checking on the order entry screen explained in [3-4] below and in [3- Since this is a common process that should be performed prior to generating the credit management summary table explained in 5], the processes in [3-2] and [3-3] can be collectively referred to as "common credit management processing." can.

The calculation of the debt balance explained in [3-2] and the acquisition of the credit limit explained in [3-3] may be performed first, or may be performed simultaneously in parallel.

[3-4. Check on the order entry screen]
Next, a check is performed on the order entry screen.

First, the operator enters the order number "J00002", the order date "2021/11/30", and the billing address code "S02: Company B" in the header part of the order entry screen as shown in FIG.

When the input is made, three order details having the order number "J00002", the order date "2021/11/30", and the billing address code "S02: Company B" are obtained from the order data 106d in FIG. 6. . Then, as shown in FIG. 13, the information included in the three order details is displayed in the details section of the order entry screen.

At this time, as shown in FIG. 13, the total order amount, total order consumption tax, and total order amount including tax are also displayed at the bottom right of the order entry screen. In addition, as shown in Figure 13, at the bottom left of the order entry screen, the balance of receivables for Company B calculated in [3-2] (4) of 11,661,000 yen and the credit balance for Company B obtained in [3-3] are displayed. The limit amount of 10,000,000 yen is also displayed.

In addition to displaying the order entry screen shown in FIG. 13, the message display section 102f displays a warning message or an entry-disabled message when the balance of receivables exceeds the credit limit. In the example shown in FIG. 13, the balance of receivables for Company B of 11,661,000 yen exceeds the credit limit of 10,000,000 yen for Company B, so the message described below will be displayed.

Referring to the billing destination master 106a in FIG. 5, since "1: Warning only" is set as the credit limit management classification for Company B, the message display section 102f displays a warning as shown in FIG. Display the message (You have exceeded your credit limit. Do you want to continue?). If a warning message is displayed, the operator can continue entering orders by selecting "YES" on the warning message screen of FIG. 14.

On the other hand, although it is different from the setting of the billing destination master 106a in FIG. 5, if "2: Input not allowed" is set as the credit limit management classification for company B, the message display section 102f will display the following information: As shown in Figure 15, an input not possible message (Credit limit exceeded. Input not possible) is displayed. If an entry not allowed message is displayed, the operator cannot continue entering the order.

[3-5. Generation of credit management summary table]
Finally, a credit management summary table is generated.

As shown in FIG. 16, the credit management summary table generation unit 102g calculates the billing address code, the billing address name, the credit limit obtained in [3-3], and (1) of [3-2]. The sales order backlog amount, the rental loan balance amount calculated in [3-2] (2), the accounts receivable balance calculated in [3-2] (3), and the (4) amount in [3-2]. ), the unexploited amount of credit limit calculated by subtracting the balance of receivables from the credit limit, and the credit limit utilization rate calculated by dividing the balance of receivables by the credit limit, Generate a credit management summary table including.

By referring to the generated credit management summary table, the operator can check the details of the sales order backlog, rental loan balance, and accounts receivable balance for each billing destination, as well as the amount of unused credit limit and the amount of credit limit used. You can also check the rate.

Note that either the check on the order entry screen explained in [3-4] or the generation of the credit management summary table explained in [3-5] may be performed first, or they may be performed simultaneously in parallel. It's okay to be hurt.

[4. Summary of this embodiment]
As explained above, according to the credit management device 100 according to the present embodiment, by setting the monthly rental fee for N months as the balance of receivables for the rental item, credit management is performed that appropriately takes into account the value of the rental item. It can be performed.

Specifically, in the past, if the order amount for rental items was taken as the balance of receivables for rental items, it would be too low, and conversely, if the purchase price of rental items was taken as the balance of receivables for rental items, it would be too high. There was a problem in that the balance of receivables related to products could not be appropriately evaluated. On the other hand, in the credit management device 100 according to the present embodiment, as explained in (2) of [3-2], 20 months' worth of the monthly rental fee for the rental item is paid by the balance of receivables for the rental item ( The balance of receivables related to rental items can be appropriately evaluated by using According to the credit management device 100 according to the present embodiment, the order explained in [3-4] is received using the receivable balance calculated in (4) of [3-2] based on the rental loan balance amount. Since it is possible to check on the input screen and generate the credit management summary table explained in [3-5], it is possible to perform credit management while appropriately evaluating the balance of receivables for rental items. . In other words, even if there are rental items, it is possible to perform highly accurate credit management.

[5. Contribution to the Sustainable Development Goals (SDGs) led by the United Nations]
This embodiment can contribute to improving business efficiency and promoting appropriate business decisions of companies, and thus can contribute to Goals 8 and 9 of the SDGs.

Furthermore, this embodiment can contribute to reducing waste loss and promoting paperless and electronic systems, making it possible to contribute to Goals 12, 13, and 15 of the SDGs.

Furthermore, this embodiment can contribute to strengthening control and governance, making it possible to contribute to Goal 16 of the SDGs.

[6. Other embodiments]
In addition to the embodiments described above, the present invention may be implemented in various different embodiments within the scope of the technical idea described in the claims.

For example, among the processes described in the embodiments, all or part of the processes described as being performed automatically can be performed manually, or all of the processes described as being performed manually can be performed manually. Alternatively, some of the steps can be performed automatically using known methods.

In addition, unless otherwise specified, information including processing procedures, control procedures, specific names, parameters such as registered data and search conditions for each process, screen examples, and database configurations shown in this specification and drawings are included. It can be changed arbitrarily.

Further, regarding the credit management device 100, each illustrated component is functionally conceptual, and does not necessarily need to be physically configured as illustrated.

For example, the processing functions provided in the credit management device 100, especially each processing function performed by the control unit, may be realized in whole or in part by a CPU and a program interpreted and executed by the CPU. Alternatively, it may be implemented as hardware using wired logic. Note that the program is recorded on a non-temporary computer-readable recording medium that includes programmed instructions for causing the information processing device to execute the processing described in this embodiment. Machine read to 100. That is, a storage unit such as a ROM or an HDD (Hard Disk Drive) stores a computer program that cooperates with an OS to give instructions to a CPU and perform various processes. This computer program is executed by being loaded into the RAM, and constitutes a control unit in cooperation with the CPU.

Further, this computer program may be stored in an application program server connected to the credit management device 100 via an arbitrary network, and it is also possible to download all or part of it as necessary. be.

Further, a program for executing the processing described in this embodiment may be stored in a non-temporary computer-readable recording medium, or may be configured as a program product. Here, the "recording medium" includes a memory card, a USB (Universal Serial Bus) memory, an SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), and an EE. PROM (registration Trademark) (Electrically Erasable and Programmable Read Only Memory), CD-ROM (Compact Disk Read Only Memory), MO (Magneto-Optical disk) ), DVD (Digital Versatile Disk), Blu-ray (registered trademark) Disc, etc. shall include any “portable physical medium”.

Further, a "program" is a data processing method written in any language or writing method, and does not matter in the form of source code or binary code. Note that a "program" is not necessarily limited to a unitary structure, but may be distributed as multiple modules or libraries, or may work together with separate programs such as an OS to achieve its functions. Including things. Note that well-known configurations and procedures can be used for the specific configuration and reading procedure for reading the recording medium in each device shown in the embodiments, and the installation procedure after reading.

The various databases stored in the storage unit are storage devices such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, and are used for various processing and website provision. Stores programs, tables, databases, web page files, etc.

Further, the credit management device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. Further, the credit management device 100 may be realized by installing software (including a program, data, etc.) that causes the device to realize the processing described in this embodiment.

Furthermore, the specific form of dispersion and integration of devices is not limited to what is shown in the diagram, and all or part of them can be functionally or physically divided into arbitrary units according to various additions or functional loads. It can be configured in a distributed/integrated manner. That is, the embodiments described above may be implemented in any combination, or the embodiments may be implemented selectively.

INDUSTRIAL APPLICATION This invention is useful in the industry which runs a rental business, for example, is useful in the industry which rents construction materials.

100 Credit management device 102 Control unit
102a Order backlog amount calculation unit
102b Loan balance calculation unit
102c Accounts receivable balance extraction part
102d Accounts Receivables Balance Calculation Department
102e Credit limit acquisition department
102f Message display section
102g Credit management summary table generation unit 104 Communication interface unit 106 Storage unit
106a Billing master
106b Contract classification master
106c Basic information master
106d Order data
106e Output data
106f Warehousing data
106g sales data
106h Deposit data
106i Accounts receivable balance data 108 Input/output interface section 112 Input device 114 Output device 200 Server 300 Network

Claims (8)

A credit management device comprising a control unit and a storage unit, capable of performing credit management that appropriately considers the value of rental items,
In the storage unit,
A limit management master that includes credit limits,
A month management master that includes the number of months for calculating the rental loan balance amount, which is the credit amount for the portion of the rented items that have not been put into storage;
Output data including the outgoing quantity of the rental item and the incoming quantity of the rental item;
is stored,
The control unit includes:
The rental rental balance is determined based on the value obtained by subtracting the storage quantity in the outgoing data from the outgoing quantity in the outgoing data, the unit order price of the rental item, and the number of months in the monthly number management master. a loan balance calculation means for calculating the amount;
Receivables balance calculation means for calculating a receivables balance based on the order backlog amount, the rental loan balance calculated by the loan balance calculation means, and the accounts receivable balance;
a credit limit acquisition means for acquiring a credit limit from the limit management master;
Message display means or credit management summary table generation means;
Equipped with
The message display means displays a predetermined message when the debt balance calculated by the debt balance calculation unit exceeds the credit limit acquired by the credit limit acquisition unit,
the credit management summary table generation means generates a credit management summary table including the debt balance calculated by the debt balance calculation unit and the credit limit acquired by the credit limit acquisition unit;
A credit management device characterized by: The loan balance calculation means is
If the rental item is to be rented on a monthly basis, the unit order price when renting the rental item for one month is the value obtained by subtracting the stocking quantity in the shipping data from the shipping quantity in the shipping data. and calculating the remaining rental amount by multiplying the number of months in the number of months management master;
The credit management device according to claim 1, characterized by: The number of months management master further includes the number of days for calculating the rental balance amount,
The loan balance calculation means is
If the rental item is to be rented on a daily basis, the order unit price when renting the rental item for one day is the value obtained by subtracting the storage quantity in the shipping data from the shipping quantity in the shipping data. calculating the remaining rental amount by multiplying the number of days in the number of months management master by the number of months in the number of months management master;
The credit management device according to claim 1 or 2, characterized in that: The number of months in the number of months management master is calculated based on the purchase cost of the rental item and the monthly rental fee of the rental item;
The credit management device according to any one of claims 1 to 3, characterized in that: The message display means includes:
displaying a warning message for the operator to confirm whether or not to continue order entry if the number exceeds the above, or an input disable message for making the operator aware that order entry cannot be continued when the number exceeds the number;
The credit management device according to any one of claims 1 to 4, characterized in that: The credit management summary table generation means includes:
dividing the unused credit limit amount calculated by subtracting the credit balance calculated by the credit balance calculation means from the credit limit acquired by the credit limit acquisition means and the credit limit by the credit limit; generating the credit management summary table further including the credit limit utilization rate calculated by;
The credit management device according to any one of claims 1 to 5, characterized in that: A credit management method that is executed by an information processing device including a control unit and a storage unit, and is capable of performing credit management that appropriately takes into account the value of rental items, the method comprising:
In the storage unit,
A limit management master that includes credit limits,
A month management master that includes the number of months for calculating the rental loan balance amount, which is the credit amount for the portion of the rented items that have not been put into storage;
Output data including the outgoing quantity of the rental item and the incoming quantity of the rental item;
is stored,
executed by the control unit,
The rental rental balance is determined based on the value obtained by subtracting the storage quantity in the outgoing data from the outgoing quantity in the outgoing data, the unit order price of the rental item, and the number of months in the monthly number management master. a loan balance calculation step for calculating the amount;
a receivables balance calculation step of calculating a receivables balance based on the order backlog, the rental loan balance calculated in the loan balance calculation step, and the accounts receivable balance;
a credit limit acquisition step of acquiring a credit limit from the limit management master;
a message display step or a credit management summary table generation step;
including;
In the message display step, displaying a predetermined message when the debt balance calculated in the debt balance calculation step exceeds the credit limit acquired in the credit limit acquisition step;
In the credit management summary table generation step, generating a credit management summary table including the debt balance calculated in the debt balance calculation step and the credit limit acquired in the credit limit acquisition step;
A credit management method characterized by: A credit management program, which is executed by an information processing device including a control unit and a storage unit, and is capable of performing credit management with appropriate consideration of the value of rental items, the program comprising:
In the storage unit,
A limit management master that includes credit limits,
A month management master that includes the number of months for calculating the rental loan balance amount, which is the credit amount for the portion of the rented items that have not been put into storage;
Output data including the outgoing quantity of the rental item and the incoming quantity of the rental item;
is stored,
for the control unit to execute,
The rental rental balance is determined based on the value obtained by subtracting the storage quantity in the outgoing data from the outgoing quantity in the outgoing data, the unit order price of the rental item, and the number of months in the monthly number management master. a loan balance calculation step for calculating the amount;
a receivables balance calculation step of calculating a receivables balance based on the order backlog, the rental loan balance calculated in the loan balance calculation step, and the accounts receivable balance;
a credit limit acquisition step of acquiring a credit limit from the limit management master;
a message display step or a credit management summary table generation step;
including;
In the message display step, displaying a predetermined message when the debt balance calculated in the debt balance calculation step exceeds the credit limit acquired in the credit limit acquisition step;
In the credit management summary table generation step, generating a credit management summary table including the debt balance calculated in the debt balance calculation step and the credit limit acquired in the credit limit acquisition step;
A credit management program featuring:

Images